When working with patients to help them move better and feel better, unfortunately sometimes your work can have the opposite effect. Since mistakes can and do happen, it’s crucial for you to be set up with the appropriate protection. That means having the right chiropractors liability insurance.

Illinois independent insurance agents can help you get equipped with the right kind of chiropractors liability insurance for you. Better yet, they’ll get you equipped with the proper coverage long before you ever need to file a claim. But before we get too far ahead of ourselves, here’s a closer look at this important coverage.

Are Chiropractors Required to Carry Malpractice Insurance?

Though certain states require coverage, not all areas legally require chiropractors to carry malpractice insurance. However, no matter what’s dictated by your specific state’s laws, having malpractice insurance is one of the most crucial moves you can make. Just one catastrophe in the medical field could bankrupt you and your practice without the appropriate protection in place. That’s why it’s critical to be covered either way.

Best Malpractice Insurance for Chiropractors in Illinois

According to insurance expert Jeffery Green, chiropractors malpractice insurance has two main forms in which it’s sold:

• Claims made: Reimburses the chiropractor if both following conditions are true: the contested service was provided while the policy was in force, and the claim was made while the policy was in force.
• Occurrence: Reimburses the chiropractor as long as the contested service was provided while the policy was in force, regardless of when the claim was filed.

An Illinois independent insurance agent can further explain the main forms of chiropractor malpractice insurance available in your area.

What Does Chiropractors Liability Insurance Cover in Illinois?

Basically a special form of Illinois professional liability insurance, chiropractors liability insurance is designed to protect chiropractors from the accidental injury or other harm of their patients. If a chiropractor gets sued, their coverage can pay for hefty legal expenses.

Chiropractors liability covers these costs:

• Medical treatment for the injured client
• Lawyer fees
• Court fees
• Settlement fees
• Additional lawsuit costs

Your Illinois independent insurance agent can help make sure that you get equipped with the right chiropractors liability insurance to protect yourself and your practice against costly and tragic errors.

How Much Do Chiropractors Pay for Malpractice Insurance in Illinois?

Illinois is among the most expensive states when it comes to medical professional liability insurance. Check out how Illinois stacks up against other states below.

Direct premiums earned by the medical professional liability insurance market in the US in 2018, by state (in million US dollars)

The medical malpractice insurance market in the state of New York generated $1.6 billion in direct premiums in 2018. New York was followed by California, Pennsylvania, and Florida. Illinois ranked fifth overall. In Illinois, direct written premiums for malpractice insurance in 2018 totaled $462.73 million.

Malpractice insurance is just as important for chiropractors as it is for any other medical professionals. Your Illinois independent insurance agent can help you find affordable coverage in your area.

What Doesn’t Chiropractors Liability Insurance Cover in Illinois?

Though chiropractors liability insurance provides a ton of important protection for chiropractors in Illinois, it also comes with its own set of exclusions, such as:

• Criminal acts
• Inappropriate alteration of records
• Sexual misconduct liability
• Intentional and dishonest acts

Your Illinois independent insurance agent can address any concerns you may have about your policy’s coverage exclusions.

Why Do Chiropractors Carry Malpractice Insurance?

Chiropractors need to be protected against malpractice lawsuits, the same way doctors and psychiatrists do. While not every state legally requires chiropractors to carry this coverage, having a policy can mean the difference between a business shutting down and remaining open after a lawsuit. An Illinois independent insurance agent can help you find the right coverage for your practice.

Chiropractors Liability Insurance vs. Professional Indemnity Insurance

Green said that professional indemnity insurance is the same as professional liability insurance. Chiropractors liability is one category of professional liability/indemnity insurance customized for practitioners in the medical field. It protects chiropractors against professional errors that cause injury or other harm.

Death, emotional injury, and psychological injury are also covered by chiropractors liability insurance. To get the full picture of what your chiropractors liability coverage offers you, work with your Illinois independent insurance agent to review your coverage.

Here’s How an Illinois Independent Insurance Agent Can Help

When it comes to protecting chiropractors against liability risks and all other disasters, no one’s better equipped to help than an independent insurance agent. Illinois independent insurance agents search through multiple carriers to find providers who specialize in chiropractors liability insurance, deliver quotes from several sources, and help you walk through them all to find the best blend of coverage and cost.